function inc_mean = coarsen_income(inc)

    inc_median = median(inc);
    
    mean_below_median = mean(inc(inc <= inc_median));
    mean_above_median = mean(inc(inc > inc_median));
    
    inc_mean = (inc <= inc_median) .* mean_below_median + ...
               (inc > inc_median) .* mean_above_median;
end
